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Employee Benefits Survey
EBS EBS Program Links

Life insurance plans: Method of benefit payment

Table 18. Life insurance plans: Method of benefit payment, State and local government
workers, March 2016
(All workers with basic life insurance coverage = 100 percent)
Characteristics Basic life insurance method of payment
Fixed
multiple of
annual
earnings
Variable
multiple of
annual
earnings
Flat dollar
amount
Variable
dollar
amount
Other
All workers
38
2
52
5
2
Worker characteristics
         
Management, professional, and related
37
1
54
5
3
    Professional and related
37
1
54
5
3
        Teachers
34
1
58
5
3
            Primary, secondary, and special education
             school teachers
31
1
61
4
3
Service
40
3
50
6
2
    Protective service
37
4
52
7
1
Sales and office
39
50
7
    Office and administrative support
39
51
6
Natural resources, construction, and maintenance
40
3
52
Production, transportation, and material moving
37
51
Full time
38
2
52
5
3
Part time
30
62
4
Union
33
2
57
8
1
Nonunion
43
2
48
3
4
Average wage within the following categories:1
         
    Lowest 25 percent
39
1
54
3
3
        Lowest 10 percent
47
48
3
    Second 25 percent
41
2
48
6
3
    Third 25 percent
41
3
47
6
3
    Highest 25 percent
33
1
59
6
1
        Highest 10 percent
35
2
58
5
[2]
Establishment characteristics
         
Service-providing industries
38
2
53
5
2
    Education and health services
39
1
53
4
3
        Educational services
37
1
55
4
3
            Elementary and secondary schools
32
1
60
4
3
            Junior colleges, colleges, and universities
53
37
5
        Health care and social assistance
52
42
4
            Hospitals
49
46
3
    Public administration
36
3
52
7
2
1 to 99 workers
31
2
59
3
4
    1 to 49 workers
24
64
    50 to 99 workers
42
52
4
100 workers or more
39
2
52
6
2
    100 to 499 workers
39
54
4
    500 workers or more
39
2
51
6
3
State government
44
2
44
6
3
Local government
36
2
55
5
2
Geographic areas
         
Northeast
33
1
52
14
    New England
18
69
    Middle Atlantic
37
1
47
15
South
45
2
45
2
6
    South Atlantic
54
2
32
1
11
    East South Central
54
36
6
    West South Central
22
75
2
Midwest
47
46
4
    East North Central
45
49
3
    West North Central
50
3
42
6
West
20
73
4
    Mountain
36
61
    Pacific
14
79
5
1Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include
workers with earnings both above and below the threshold. The categories were formed using percentile estimates generated using
wage data for March 2016.
2Less than 0.5.

Note: Because of rounding, sums of individual items may not equal totals. Dash indicates no workers in this category or data did not
meet publication criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit
Terms" at www.bls.gov/ncs/ebs/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.